WIXLIB

CONTINENTAL CASUALTY COMPANYChicago, IllinoisE. WHEN COVERAGE IS EFFECTIVE.All coverage is effective at 12:01 A.M. on the effective date of coverage as stated herein.Commercial Inland Marine CommunicationsEquipment Coverage Certificate1. If you submit your request for enrollment for insurance coverage at Initial Activation: Your coverage under thisCertificate begins upon our approval. Upon our approval, coverage is retroactive to the date of the submission ofyour request for enrollment. We or our Authorized Representative will notify you within thirty (30) days if yourrequest is not approved.Some provisions in this Coverage Certificate (“Certificate”) restrict coverage. Read this entireCertificate carefully. It sets forth each party’s rights and duties and what is and is not covered.2. If you submit your request for enrollment for insurance coverage after Initial Activation: Your coverage underthis Certificate requires the successful completion of a test call to the “Covered Property” prior to becomingeffective. Coverage begins upon our approval. Upon our approval, coverage is retroactive to the date of the testcall. We or our Authorized Representative will notify you within thirty (30) days if your request is not approved.In this Certificate, the words “you” and “your” refer to the “Insured Subscribers.” The words “we”,“us” and “our” refer to Continental Casualty Company, a CNA Company (“CNA”), the Illinois stockinsurance company providing this insurance.In this Certificate, the words “Authorized Representative” and “Asurion” refer to AsurionProtection Services, LLC except as follows: In California, Asurion Protection Services, LLC doesbusiness as Asurion Protection Services Insurance Agency, LLC (CA license #: OD63161). InPuerto Rico, “Asurion” refers to Asurion Protection Services of Puerto Rico, Inc.Other capitalized words and phrases have special meaning. Refer to Section IX. DEFINITIONS.A copy of the policy under which this Certificate is issued is available for your inspection.I. COVERAGE.Subject to all of the terms, conditions, exclusions, and limits of insurance contained in this Certificate, we agree toprovide the insurance as stated in this Certificate on a month to month basis, provided that any Loss (as defined inSection IX. DEFINITIONS) to the Covered Property occurs while your coverage is in effect.INFORMATION ABOUT YOUR COVERAGEWith regard to all enrollment requests, the coverage specified in this Certificate begins at 12:01 a.m. of the date of suchrequest. The information pertaining to your communication equipment coverage included in your receipt, invoice, orother documentation from your Service Provider is incorporated by reference in this Certificate and specifically includesthe name and address of the Insured Subscriber and information to determine the effective date of coverage (See Section I.E).A. WHAT WE INSURE.We insure your Covered Property (as defined in Section IX. DEFINITIONS), for Loss as long as it remains eligiblefor coverage. In the event of a Loss, our obligation under this Certificate is to repair or replace, at our sole option,your Covered Property. This insurance is primary over any other insurance you may have.B. COVERAGE PLAN.We cover your Covered Property for the following cause(s) of loss.i) Physical damage.ii) Theft, or loss by mysterious disappearance or other unintentional permanent loss of possession.iii) Mechanical or Electrical Failure.C. PROPERTY NOT COVERED.The following is not covered:1. Any property or equipment that is not Covered Property.2. Contraband or property in the course of illegal transportation or trade.3. Property in transit to you from a manufacturer or seller that is not the Authorized Service Facility.4. Data, Nonstandard External Media, and Nonstandard Software.5. Covered Accessories will only be covered when they are part of a Loss to Covered Property other than CoveredAccessories.6. Any wireless device whose unique identification number (IMEI or ESN, etc.) has been altered, defaced or removed.D. PAYMENT OF PREMIUMS.You will be charged the monthly premium corresponding to the equipment category of your Covered Propertyassociated with your enrolled Wireless Number as shown in the schedule below.Equipment CategoryMonthly Premium PerEnrolled Wireless NumberAll eligible equipmentcategories 6.99Eligibility for enrollment after Initial Activation may be subject to limitation.II. EXCLUSIONS.Losses and causes of loss excluded below are excluded regardless of any other cause or event that contributesconcurrently or in any sequence to the loss. We will not pay for any losses, or for any losses directly or indirectlycaused by or resulting from any of the events, conditions or causes of loss identified below:A. Indirect or consequential Loss, including loss of use; interruption of business, loss of market, loss of service, loss ofprofit, inconvenience or delay in repairing or replacing lost or damaged Covered Property.B. Loss due to the intentional parting with Covered Property by you or anyone entrusted with the CoveredProperty.C. Loss due to intentional, dishonest, fraudulent or criminal acts by you or your family members; any of yourauthorized representatives or anyone you entrust with the property and any of their family members; or anyoneelse with an interest in the property for any purpose, acting alone or in collusion with others.D. Loss due to obsolescence, including technological obsolescence or depreciation in the value of the CoveredProperty.E. Loss caused by or resulting from any cosmetic damage to Covered Property, however caused that does notaffect the function of the Covered Property. Such excluded types of loss include, but are not limited to,scratches, marring, cracks, and changes or enhancement in color, texture, or finish that occur to CoveredProperty that do not affect the function of the Covered Property.F. Loss caused by or resulting from faulty repair, adjusting, installation, servicing or maintenance, unless fire orexplosion ensues and then only for loss to the Covered Property resulting from ensuing fire or explosion.G. Loss caused by or resulting from unauthorized repair or replacement.H. Loss caused by or resulting from the discharge, dispersal, seepage, migration, release or escape of Pollutants.I. Loss caused by abuse of the Covered Property or resulting from use of the Covered Property in a manner forwhich it was not designed or intended by the manufacturer, or any act that voids the manufacturer’s warranty.J. Loss caused by or resulting from failure to follow the manufacturer’s installation, operation or maintenanceinstructions.K. Loss caused by or resulting from error or omission in design, programming, or system configuration of theCovered Property, or manufacturer’s recall.L. Loss due to Mechanical or Electrical Failure occurring during the term of the manufacturer’s warranty.M. Loss or damage to or of batteries (unless otherwise covered as a Covered Accessory when part of a Loss toother Covered Property).N. Loss caused by or resulting from any Malware.O. Loss caused by or resulting from nuclear reaction or radiation, or radioactive contamination, howevercaused. However, if nuclear reaction or radiation, or radioactive contamination, results in fire, we will pay forthe resulting Loss caused by such fire.P. Loss caused by or resulting from war, including undeclared or civil war; warlike action by a military force,including action hindering or defending against an actual or expected attack, by any government, sovereign orother authority using military personnel or other agents; or insurrection, rebellions, revolution, usurped powerof action taken by government authority in hindering or defending against any of these.

Q. Loss caused by or resulting from Governmental action, meaning seizure or destruction of property by order of governmental authority including economic and trade sanction as provided under applicable law and U.S. Treasury Departmentguidelines.R. Loss or damage to or of Data, Nonstandard External Media, and Nonstandard Software.S. Loss caused by or resulting from failure to do what is reasonably necessary to minimize the loss and to protect the Covered Property from any further loss.III. LIMITS OF LIABILITY.A. PER OCCURRENCE LIMITS.The most we will spend, in any one occurrence, to replace or repair Covered Property due to a Loss is 1,500. For any one Loss, we will not pay for replacement equipment having retail value of, or for repair costs that are, more than the limit,less the applicable deductible set forth in Section IV.B. AGGREGATE LIMITS.A maximum of two (2) replacements or repairs of Covered Property will be allowed per Wireless Number in any one twelve (12) month period, including Losses incurred under this Certificate or any prior consecutive certificate issued by us. In any case, thetwelve month period is calculated based on the Date of Replacement for each covered Loss.IV. DEDUCTIBLE.A non-refundable deductible, as set forth in the schedule below, is payable at the time a replacement or repair is approved by us for each replacement or repair based on the equipment category of the equipment being replaced or repaired.Provided, however:A. If you have continuously maintained coverage for at least 6 months but no more than 12 months prior to the current Loss without incurring another covered Loss during that time period, the Declining Deductible applies as set out in thedeductible schedule.B. If you have continuously maintained coverage for at least 12 months prior to the current Loss without incurring another covered Loss within 12 months prior to the current Loss, the Declining Deductible applies as set forth in the deductible schedule.If you cease to maintain coverage or have a covered Loss at any time for which we provide a replacement or repair, the Standard Deductible is reinstated. Thereafter, the deductible may again be reduced if the conditions set forth above are satisfied.The applicable deductibles are set forth in the deductible schedule below.Declining Deductible ScheduleEquipmentTier 1EquipmentTier 2EquipmentTier 3StandardDeductible 50 125 199DecliningDeductible6 months –12 months 37 93 149DecliningDeductible12 months ormore 25 62 99NOTE: An additional non-returned equipment charge may apply (See Section VI.F) for causes other than loss or theft if you fail to return the Covered Property as directed at the time of Loss.V. CONDITIONS IN THE EVENT OF LOSS.Subject to the terms and conditions set forth in this Certificate, we will make good any Loss covered under this Certificate.A. In the event of a Loss, we will arrange for the replacement, or at our sole option, the repair, of the Covered Property through the Authorized Service Facility.B. An Insured Subscriber will not be entitled to receive cash, though we may elect to provide a cash settlement of the cost to replace the Covered Property, in lieu of actual replacement or repair of the Covered Property.C. At our option, we may repair the Covered Property with substitute parts or provide substitute equipment that:1. Is of like kind and quality;2. Is either new or refurbished, and may contain original or non-original manufacturer parts; and3. May be a different brand, model or color.D. Replacement equipment will be approved equipment for use on the network of the Service Provider and in the same equipment category as the Covered Property at the time of Loss.E. Equipment failure evaluation performed by the Service Provider and/or our Authorized Representative and/or the manufacturer may be required at our option prior to approval of your request for repair or replacement of the Covered Property.VI. DUTIES IN THE EVENT OF A LOSS.A. In the event that your Covered Property is lost or stolen, you must notify your wireless service provider as soon as possible to suspend service.B. If a claim involves a violation of law or any loss of possession, you agree to promptly notify the law enforcement agency with jurisdiction and obtain confirmation of this notification.C. You must report the Loss promptly to our Authorized Representative not later than sixty (60) days from the Date of Loss. If you do not report the Loss within sixty (60) days, you will have forfeited your claim. You must submit all claims through ourAuthorized Representative for our approval prior to repair or the delivery of replacement equipment. Any claims that are not submitted through our Authorized Representative for our approval will not be honored and fulfilled.D. You will do what is reasonably necessary to minimize the Loss and to protect the Covered Property from any further Loss.

E. You may be required to provide us with a detailed written proof of Loss statement, a police report case number, and/or a copy of the police report within sixty (60) days of the date the Loss is reported and prior to repair or receipt ofreplacement equipment. In the event of a Loss, you may be required to provide a copy of the original bill of sale. You may also be required to present, or provide a photocopy of, a government issued photo I.D.F. If the cause of Loss is not loss or theft, you must keep the Covered Property until your claim is completed. If we replace the Covered Property, we may require you to return it to us at our expense. If we so direct, you must return the CoveredProperty to us in the return mailer we provide within ten (10) days or pay the non-returned equipment charge applicable to the model of Covered Property that suffered the Loss. YOU CAN AVOID THIS CHARGE BY SIMPLY RETURNING THECOVERED PROPERTY AS DIRECTED.G. In the event of a Loss, you must permit us to inspect the property and records proving the Loss. You must cooperate in the investigation of such claim. If requested, you must permit us to question you under oath at such times as may bereasonably required about any matter relating to this insurance or your claim, including your books and records. Your answers must be signed and may be recorded.H. You must provide our Authorized Representative with all of the necessary information required to approve your claim for replacement or repair of the Covered Property within sixty (60) days of the date that you report your Loss to us. Yourfailure to take delivery of repaired or replacement equipment within sixty (60) days of our claim approval will result in forfeiture of the repaired or replacement equipment and your claim under this Certificate.I. In the event of a Loss, you must satisfy the nonrefundable deductible applicable to the Loss.J. In the event we arrange for the repair of your Covered Property, you may be required to mail or deliver your Covered Property for repair as directed by us.VII. ELIGIBILITY AND CANCELLATION.A. Cancellation Provisions.1. You may cancel coverage under this Certificate by mailing or delivering to us advance written notice stating when such cancellation is effective. You may send your written notice to our Authorized Representative as follows: Asurion CustomerCare Center, P.O. Box 411605, Kansas City, MO 64141-1605.2. The Service Provider may cancel coverage under this Certificate by mailing or delivering to us advance written notice stating when such cancellation is effective. We, or the Service Provider on our behalf, will mail or deliver written notice toyou advising you of the cancellation of this Certificate. The written notice may be mailed or delivered to you at least thirty (30) days prior to the cancellation, or other longer period as required by law.3. We may cancel this Certificate or change the terms and conditions only upon providing you with at least thirty (30) days notice, or other longer period as required by law, unless we cancel for the following reasons:(a) We may cancel your coverage under this Certificate upon fifteen (15) days notice, or other longer period as required by law, for discovery of fraud or material misrepresentation in obtaining coverage or in the presentation of a claimthereunder.(b) We may cancel your coverage under this Certificate immediately, or by providing additional notification time as required by law, for nonpayment of premium.(c) We may cancel your coverage under this Certificate immediately, or by providing additional notification time as required by law, if:(1) You cease to have active service with the Service Provider; or,(2) You exhaust the aggregate limit of liability, if any, under the terms of this Certificate and we send notice of cancellation to you within thirty (30) calendar days after exhaustion of the limit. However, if notice is not timely sent, enrollment shallcontinue notwithstanding the aggregate limit of liability until we send notice of cancellation to you.NOTE: If you are cancelled under Section VII.A.3.(c)(2) you will remain ineligible for a period of twelve (12) months from the date of cancellation.B. How Notice of Cancellation is Provided.1. Notices made pursuant to Sections A.2 or 3 shall be in writing and include the actual reason for cancellation and the effective date of cancellation. The coverage will end on that date.2. Notices may be mailed or delivered to the Service Provider at its last known mailing address. Notices may be mailed or delivered to you at your last known mailing or electronic addresses on file with us.3. We or the Service Provider shall maintain proof of mailing in a form authorized or accepted by the United States Postal Service or other commercial mail delivery service. We or the Service Provider may comply with Sections A.2 or 3 byproviding such notice or correspondence by electronic means. If accomplished through electronic means, we or the Service Provider shall maintain proof that the notice or correspondence was sent.4. If coverage under this Certificate is cancelled, you will be refunded any unearned premium due on a pro rata basis.C. To be and remain eligible for coverage:1. You must have activated communications service directly with your Service Provider and be a valid, active and current subscriber of your Service Provider to be covered under the policy. Covered Property must be actively registered on theService Provider’s network on the Date of Loss and have logged airtime prior to the Date of Loss.2. The Covered Property must be designated by us and eligible for coverage under this Certificate. Eligibility may be limited to new equipment that has not been previously activated for service.3. You must not have engaged in fraud or abuse with respect to this or a similar communications equipment insurance program.4. You must not have exhausted the benefits available under a CNA coverage certificate issued through your Service Provider by exhausting the Aggregate Limit. (See Section III.B).5. You must not be in breach of any material term of this Certificate, including, but not limited to: Failure to return damaged Covered Property when requested in conjunction with a Loss; or, failure to satisfy the required deductible on a Loss.D. You are responsible for the payment of all premiums, per the terms of this Certificate.E. The insurance provided under this Certificate is provided on a month-to-month term basis unless: you cease to be a valid, active and current subscriber of your Service Provider; or you or your Covered Property cease to be eligible for coverage.VIII. ADDITIONAL CONDITIONS.A. All claims for Loss under this Certificate will be made good within thirty (30) days after presentation and acceptance of satisfactory p

Insurance is 800.622.4461, and for the Maryland Insurance Administration is 800.492.6116. Other Coverage The included Coverage Certificate may provide a Duplication Of Coverage already provided by a consumer's personal auto insurance policy, homeowner's insurance policy, renter's insurance policy,